Do you want to request a mini loan without BKR assessment? All lenders in the Netherlands are legally obliged to report all loans to the Credit Registration Office in Tiel. This does not have to be negative at all. Even if you have always faithfully fulfilled your payment obligations and have already repaid the loan in recent years, you will still be registered there. Your credit history is kept for five years. But it is mainly people who know that they have had one or more payment arrears in the past that would benefit from taking out a mini-loan without BKR testing. On this page you can read everything about borrowing if you have a negative BKR listing.
Mini loan without BKR
Because lenders are required by law to have loans registered with the Credit Registration Office in Tiel, you may think that applying for a loan without BKR testing is impossible. Nothing could be further from the truth. In particular, financial institutions that provide small amounts with a short duration can offer their services outside the BKR. These are therefore the institutions that consumers can go to, which for whatever reason are rejected by banks for a credit. In most cases, this concerns individuals who already have several loans. Or for people who have received a negative note because they have not always met their payment obligations in the past.
Credit Registration Office
The Credit Registration Office ( BKR ) was established to provide insight into the credit history of private individuals for lenders. This allows banks and other financial institutions to make a better choice when it comes to granting a loan or not. By checking the person in question at the BKR, it is possible to see whether there are several loans running, whether the payments have always been on time and whether the loans have since been repaid. It also protects consumers from irresponsible borrowing behavior. Simply because a negative registration at the BKR can stand in the way of new applications. Incidentally, only lenders who collaborate with the BKR can view your data.
Most loans that you can take out are loans with a BKR registration. This means that a loan that you take out is listed with the Credit Registration Office. Until you have repaid the loan, your details will remain in the BKR database. This database can then be consulted by banks and other lenders if you request a new credit from them. Because a loan is registered with the BKR and can have a negative impact on your financial situation in the event of non-payment, it is advisable to think carefully before taking out a loan. Before taking out a loan, consider whether you can repay this loan to prevent negative registration with the BKR.
Request a mini loan without a BKR check
Short-term mini loans with Bankate or Eicredit does offer the option to apply for a small loan with a negative BKR registration. This is because the amounts of money borrowed are so small and have a short duration, a mini loan application is not checked at the BKR in Tiel. In most cases this is only for a week or a maximum of one month for amounts of money from 100 euros to 1500 euros. The mini loan providers use their own credit check to check whether you can repay the loan and otherwise have a personal guarantor who wants to act as guarantor for you.
Bankate uses its own system
Do you have to pay an urgent bill, but do you have to wait a little too long for your salary? Then the mini loan is a solution for you. You can request this from Bankate, a reliable lender, who specializes in lending small amounts to private individuals. While most providers and banks use decent minimum amounts, you can go to Bankate for as little as 100 euros. Ideal for solving small problems before they get bigger. Moreover, Bankate has developed its own system of testing and they are not interested in your BKR registration. Your credit history does not therefore have to be an obstacle to taking out a mini loan. If you meet the conditions set by Bankate, you can easily receive a credit.
Get rid of your loan quickly
To be able to request a mini loan from Bankate or Balance Dip, you must meet a number of requirements. For example, you may not be younger than 18 and you must be able to show a valid ID. Your bank account must be demonstrably yours and you must have a guarantor for the amount that you borrow. This person must also identify himself. Now, of course, you may not want to bother your immediate family or friends with your problems. Maybe you are ashamed of it. Then it becomes difficult to come up with a guarantor. No worries. Bankate can also help you in such a situation. They can provide your guarantee. Of course there are costs involved, but at least your mini loan can be paid out with this.
Avoid fines by paying off on time
With a mini loan without BKR testing, many consumers have already been helped. Borrowing a small amount can be just the support you need, which you sometimes need. Negative credit registration with the BKR does not affect your options for borrowing, but it is best not to let it be a precursor to your payment behavior. Even though a mini loan involves not too large amounts, you should certainly not think too lightly about the repayment requirements that are set for you. Failure to pay the amount agreed with you on time can result in a substantial fine. As a result, your mini loan will still be a considerable expense. Moreover, your guarantor can be approached by your lender if you do not cross the bridge in time.
Be aware of your options
For many people, being able to take out a mini loan without BKR testing is a solution. However, you should not forget that a negative BKR registration has a serious purpose. It should stop lenders from giving you irresponsible loans.
But it is also a warning to your address that you can put yourself in serious trouble by taking out a loan again, which you may not be able to pay off. Therefore, first carefully consult yourself about what your financial options are. Even if it concerns a mini loan, you must bear in mind that small amounts can turn into big problems.
Apply for a mini-loan without a BKR test
The process that you must go through when applying for a mini credit differs per lender where you take out the credit. For example, with some mini-credit providers you only have to enter a few details online, while you have to send forms to other providers. There are even lenders who already give you a mini credit when you send a text message and confirm your request. Because the process of applying for a mini-credit differs for every lender, it is important to check carefully what the process you are following is. In this way you can apply for the mini-credit in the correct way and you can benefit from your mini-credit without BKR verification as quickly as possible.
Negative BKR registration
If you take out a mini-credit without a BKR check, this simply means that when you take out the mini-credit the lender does not check whether you have a negative BKR registration . You can get this negative rating if you have not yet fully paid off a loan or if you have a loan fully outstanding. Where banks may refuse you because you have a BKR registration, you can just get a loan when taking out a mini-credit without BKR testing. This is because the lender does not look at whether you have a loan open somewhere else and therefore cannot reject your application based on this information.